"What's Changing" Summary

"What's Changing" Summary

ANB GO BUSINESS ESSENTIAL

What’s changing ? A guide to understanding how your mobile and online banking will shift after our upgrade.

Version: FS–ESS

ANB GO BUSINESS— ESSENTIAL 1

What’s changing? Table of Contents

03 Administration

04 Loans

04 Security

04 Remote Deposit Capture

05 Alerts

05 Positive Pay

05 QuickBooks ® /Quicken ®

06 Mobile

ANB GO BUSINESS— ESSENTIAL 2

What’s changing? | Administration

Audit Reports Current State —There is currently not an audit report available for you to review online activity. In ANB Go Business —Online Administrators will have the ability to review an audit report which tracks all actions taken by all users associated with the company. Resetting Passwords Current State —Users must contact American National Bank for assistance with password resets and unlocking online user profiles. In ANB Go Business —Online Administrators can unlock online user profiles and issue temporary passwords for users set up under their company profile. Users will be encouraged to reach out to their online Administrators for assistance with these actions. American National Bank will help facilitate these actions should no online Administrator be designated or is unavailable. Changes to Products or Services Current State —Individuals who are designated on the Business Entity Resolution with the authority to enter or make changes to Treasury Services products must contact the bank to enroll or discontinue specific Treasury products. In ANB Go Business —This process will continue to be the same. Only an authorized individual on the resolution will be able to contact American National Bank for new products or make changes to existing products.

Choosing Online Administrators Current State —Individuals who are designated on the Business Entity Resolution with the authority to enter or make changes to Treasury Services products currently contact the bank and request new users be granted access to business accounts. In ANB Go Business —With ANB Go Business, the individuals on the Business Entity Resolution with authority to enter or make changes to Treasury Services products will appoint initial online Administrators for their company. These online Administrators are then able to create new users and grant specific account access without needing to contact the bank. Control User Access Current State —Individuals who are designated on the Business Entity Resolution with the authority to enter or make changes to Treasury Services products contact the bank and request changes to a specific user’s access. In ANB Go Business —Online Administrators can now control user’s access and can add specific products to that user’s account, at their discretion. You no longer have to contact the bank to create, modify, or deactivate a user’s access. American National Bank recommends that companies use Administrative Dual Control, which allows one Administrator to make changes to a user profile and then requires another Administrator to review and approve those changes. If more than one online Administrator was not designated, then Dual Control will not apply to user management.

ANB GO BUSINESS— ESSENTIAL 3

What’s changing? | Loans

Interest Only Payments Current State —Interest-only loan payments are an available option. In ANB Go Business —Interest-only loan payments can be established by working with your banker. The recommended action is to set up interest-only payments at the time of account opening. These payments cannot be established within ANB Go Business.

Principal Only Payments Current State —Principal-only loan payments are offered and currently completed by using the “Transfer” function. In ANB Go Business —These payments can be made through the Payment Center by clicking on “Initiate Payment” and selecting “Loan Payment” in the Payment Type dropdown.

What’s changing? | Security

Username Current State —Your current username is a combination of a number and a variation of your first name (e.g., 123456JOHN). In ANB Go Business —The number from your old username is now your Customer ID and the variation of your first name is your User ID. Customer ID: 123456 User ID: John

Password Current State —Your password for Business Online Banking is generated through a “hard-token”, in combination with a four-digit PIN. In ANB Go Business —To log into ANB Go Business, three pieces of identifying information are required: 1. Customer ID 2. User ID 3. Password After submitting the credentials, you will be prompted to register your device. Subsequent logins will then require a one-time passcode to be delivered via email or text message to complete the login process.

What’s changing? | Remote Deposit Capture

Remote Deposit Capture Users Current State —Customers contact American National Bank’s treasury support team to add or modify users. In ANB Go Business —Administrators can create new users within the Remote Deposit platform. Please reference the Remote Deposit Capture user guide for step-by-step instructions.

Remote Deposit Capture Access Current State —Remote Deposit Capture is accessed through a unique website. In ANB Go Business —Remote Deposit Capture can be accessed through ANB Go Business using your online banking credentials.

ANB GO BUSINESS— ESSENTIAL 4

What’s changing? | Alerts

User Configured Alerts Current State —User configured alerts are currently unavailable for business customers. In ANB Go Business —User configured activity alerts around transaction approvals and processing, or user-defined balance alerts will be available on the new system.

What’s changing? | Positive Pay

New Users Current State —Customers contact American National Bank’s treasury support team to add or modify users. In ANB Go Business —Administrators can create new users in the Positive Pay/ACH Filters. Please reference the Positive Pay/ACH Filters user guide for step-by- step system instructions.

Access Current State —Positive Pay is accessed through a unique website. In ANB Go Business —Positive Pay will be accessed through ANB Go Business using your online banking credentials.

What’s changing? | QuickBooks®/Quicken®

Importing Current State —Transactions are manually imported into Quicken® or QuickBooks.® In ANB Go Business —When setting the import of transactions via Direct Connect or Web Connect, avoid duplicate transactions being imported by setting the date range for the new transactions.

Access Current State —Direct Connect or Web Connect to Quicken® or QuickBooks® is not available. In ANB Go Business —Quicken and QuickBooks Direct Connect, Web Connect, and Express Web Connect are now available and can be associated under the following bank name: American National Bank NE–DC.

ANB GO BUSINESS— ESSENTIAL 5

What’s changing? | Mobile

Web Application Current State —The web application does not adapt for tablet or mobile view. In ANB Go Business —The full web application can be accessed via your mobile phone and tablet through the website link with all functionality available for you to use and formatted specifically for easy viewing on mobile or tablets.

Mobile App Current State —No mobile app is currently available for business customers. In ANB Go Business —A mobile application will be available on Monday, May 17th at 8:00 a.m. The new mobile app can be found by searching for ANB Go Business in the app store associated with your mobile device. The mobile application allows you to view balances, search and view transactions, initiate transfers, and approve ACH or Wire transactions.

ANB GO BUSINESS— ESSENTIAL 6

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